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- No. Your insurance company will not consider the color of your car when calculating your insurance premium. Factors that insurer would normally consider are your age, the type of vehicle, your claims history, your credit history and your driving record.

How can I reduce the cost of collision coverage?

You can either raise your deductible or drop your coverage. The deductible is what you pay out of your own pocket before your insurance company starts to pay. The higher the deductible, the lower your premium. If you increase your deductible from $300 to $500 on collision coverage, it may reduce your premium by as much as 30 percent.

Do I need to buy insurance before I buy a new car?

- If this is your first car, you will have to buy auto insurance before you start driving the vehicle off dealer's lot. If you are financing the vehicle, the lender may require that you buy an insurance policy with comprehensive and collision coverage. Some states do not require the purchase of liability coverage.

I was involved in an accident. How will the insurer issue the funds of my car repair?

It depends on if you are in a first party or third party claim situation. In a first party situation, if the claim is being paid by your insurer, the check will likely be in your name and of the body shop. In a third party situation, if the claim is paid by the other driver's insurer, it will likely be made payable to you alone.

Will my insurance cover me if I am driving someone else's car?
Usually insurance is per vehicle as far as coverage is concerned. The policy on the vehicle involved in a loss will cover the damage to the vehicle itself and provide the liability limits if other parties are involved. This does assumes that you had the owner's permission to drive the vehicle involved.

Do I have to use my insurer's body shop to repair my vehicle?

No, in most states have laws where insurers can not force you to go to a specific repair facility. Look into your local law. But, if you go to a body shop not approved by your insurance broker, you may be charged extra.

I got a speeding ticket. How much will that have affect my car insurance premium?

It all depends what state you are in and if that was your first speeding ticket. That is because certain states have laws about when and why auto insurers can change premiums. Recreational vehicle insurance should not differ.

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